High Yield Spend checking earns a competitive APY starting at 3.00% with tiered rates applied. Requires $1,000 minimum balance to avoid a $10 monthly fee. Must make 25 debit card transactions monthly or have monthly direct deposit of at least $500 via two ACH deposits to earn dividends.
Eligibility
Available in 2 states
KS, MO
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the MainStreet Credit Union High Yield Spend rate
- Apply through the offer page to open the High Yield Spend.
- Complete the requirement: $1,000 minimum balance to avoid $10/month fee.
The fine print that matters
- All rates, terms, and conditions are subject to change without prior notice
- Membership savings required upon approval
- Tiered rates apply
- If qualifications not met: 0.00% APY
Verification and reports
Confirmed against mainstreetcu.org on Aug 12, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: mainstreetcu.org rate page (checked Aug 12, 2026)
Similar offers to compare
Academy Bank Certificate of Deposit4.15% APY
15-month term CD
Achieva Credit Union 6-Month CD3.90% APY
6-month term
Affinity Federal Credit Union High-Yield Checking5.50% APY
$5 minimum, qualifications required
America's Christian Credit Union Elite Checking4.00% APY
Conditional rate. 12 debit transactions + $2,000 DD monthly